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Wisconsin Small Business Health Insurance

Thanks to many years of success in the dairy industry, many Americans assume the cows are living the high life in Wisconsin. The production of dairy products has taken visible precedence over meat production here—albeit temporarily. Wisconsin small business owners are reminded every day, though, that there is more to the state than just the production of cheese. The entire business atmosphere in Wisconsin is supportive of development, with low business taxes and workers compensation rates luring the already interested entrepreneur.

Business income brought into in the state of Wisconsin from small businesses has increased dramatically in recent years, changing from $10.7 billion to $11.4 billion in one year alone. And with this raise, employers are trying their best to add more benefits to their employees’ package.  44% of small businesses in the state offered their employees health insurance in 2003, but there are still many employers out there without the resources to provide such coverage. Fortunately, state insurance carriers are working hard to provide the small business owner with access to group plans that are affordable and satisfactory, in accordance with the state's insurance regulations.

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Featured Wisconsin Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Wisconsin, products are available from the following:

• American Medical Security Life Insurance Company
  
  
• Blue Cross Blue Shield of Wisconsin
  
  
• Celtic Insurance Company
  
  
• Golden Rule
  
  
• Humana

Wisconsin’s Insurance Regulations

• Insurers have to offer each employer of 2-50 employees the same health insurance plans they offer to other employers in the state regardless of health status of those enrolled. Minimum contribution or enrollment requirements may be imposed.

• Insurance cannot be cancelled due to illness of one member of the group, as long as the small business has a minimum percentage of workers enrolled in the insurance plan.

• There is a limit to how much more Wisconsin insurance companies can charge a small business due to the health status or claims experience of members enrolled in a group plan. However, rates can be higher due to age, geographic location and family size of members of the group.

• Self-employed individuals with no other workers are not eligible to enroll in a small business health plan. However, premiums 70-90% of the premiums paid can be deducted on yearly taxes. 

Request a free online quote for more information on Small Business solutions in Wisconsin >>